The comfort temperature is m. E. somewhat lower than indicated; the sleeping bag was in Croatia for use at night where it was over 12 degrees Celsius (16-18 degrees), and I was still a bit chilly. But is subjective and may have been because of the moisture. With warm wash but it goes well. I have stayed on the deck of a yacht and my sleeping bag specially gained since my down sleeping bag with moisture eventually clumps and even less heated.
But far away from the sea for inserts I stay definitely in down :-).